Lenders
Arizona Financial Credit Union
Arizona Financial Credit Union is a member-owned financial cooperative in Phoenix that lends on commercial real estate to Arizona businesses. It finances property purchases, square footage expansions and refinances of existing commercial real estate loans, and also offers real estate construction and take-out loans, equipment loans and lines of credit.
Commercial loan officers work with borrowers directly on loan options. The credit union runs business deposit and savings accounts, treasury management — ACH origination, remote deposit capture, online wires and positive pay — and merchant services, so a borrower's operating accounts can sit at the same institution. It describes itself as the #1 SBA lender in Arizona and holds SBA preferred lending status.
Founded in 1936, it is a locally owned, not-for-profit cooperative serving more than 180,000 members across Arizona, governed by an all-volunteer, member-elected board. Branches run from Phoenix, Mesa, Chandler, Gilbert, Glendale, Scottsdale, Avondale and Surprise in the Valley out to Kingman, Lake Havasu City, Fort Mohave, Parker and Quartzsite. Members also reach nearly 30,000 surcharge-free ATMs and more than 5,000 CO-OP shared branch locations nationwide.
The commercial real estate page does not state investor-property eligibility, loan minimums or recourse terms, and membership eligibility requirements apply. Those are worth confirming with a commercial loan officer before an application.
Best for
Arizona business owners and investors who want a local, member-owned lender for a commercial property purchase, construction loan or SBA loan. Membership eligibility applies and lending is Arizona-only.
What they do
- Commercial real estate purchase loans
- Commercial real estate refinancing
- Real estate construction and take-out loans
- SBA loans as a preferred lender
- Equipment loans
- Business lines of credit
- Treasury management services
- Merchant and payment processing services
- Business checking, savings and money market accounts
Details
| Attribute | Value |
|---|---|
| Founded | 1936 |
| Ownership | Cooperative |
| Other offices | Mesa, AZ, Chandler, AZ, Gilbert, AZ, Glendale, AZ, Scottsdale, AZ, Avondale, AZ, Surprise, AZ, Kingman, AZ, Lake Havasu City, AZ, Fort Mohave, AZ, Parker, AZ, Quartzsite, AZ |
| Lender type | Credit union, SBA |
| Cash-out refinance | Yes |
What stands out
- Founded in 1936 and serving more than 180,000 members across Arizona.
- Describes itself as the #1 SBA lender in Arizona and holds SBA preferred lending status.
- Locally owned not-for-profit cooperative governed by an all-volunteer, member-elected board.
- Members reach nearly 30,000 surcharge-free ATMs and more than 5,000 CO-OP shared branch locations nationwide.
- Branches across Arizona from Phoenix and Mesa to Kingman, Lake Havasu City, Parker and Quartzsite.